This book is written for investors and lenders who do not have a background in consumer finance, yet who wish to participate in this new form of interpersonal finance. It describes how to become a passive lender on Prosper.com by using standing orders to automate the process of finding and bidding on unsecured loan requests. The author's primary goal is to enable small-time lenders to be able to earn a second income from employing some of their risk capital.